Guys! Struggles!! Need all tips and advise.

I am hoping to get up to 650 by fall, I know its soon, but anything will be better. I'm looking to get a new car and do NOT want to walk away vehicle less

So.. a little bit more information about me....

I currently have 89% usage on my 2 credit cards - 1,000 limit (between the two)

*** I plan to pay this down, within the next 4 weeks... just waiting for a trip to end.

I currently have 6 inquires (some of them, I don't even know who they are... such as "Factual Data")...

I have 4 lates ... one of them is from one of my credit cards during a really rough patch about 6 months ago. (I recently sent a letter to capital one asking for a goodwill forgiveness.. still have not heard back)

I have a couple of "deliquent" marks - all but one has been paid off.

Before paying off I been trying to find a way to negotiate with them. I owe them 525 - which I can afford right now - but would rather wait until I know it will give me a lot of extra points.

ANY & ALL advise would help - I can provide any information you guys may need to give me most accurate advise.

Re: May 2016 Check-In Thread

I'm doing well and have made good progress. I will not update numbers yet because they have been moving up and some things still have to play out as well as report in the next month.

The hold up I do have and can't do anything about is several late payments in a row on a paid Santander auto loan from 2010. They were 30 day lates. Only baddie I have. While I know they may fall off next year, it's driving me crazy because it is holding up a score that would probably be pushing toward the upper end of the 700's instead of in the lower/mid range.

I don't have a mortgage so I'm probably losing some points there bjt I'm okay with that.

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